citi wanted it badly. how bad was that for the overall strategy at citi? >> well, you know, i guess i would start with i cannot imagine, given the challenge that citi corp. was facing at that time, that they would even be allowed to pick up the challenges of wachovia. there's all kinds of suppositions of what was really going on there. we probably don't have time to discuss it. you know, what really happened with wachovia is that we were told that the only problems with wachovia were consumer loans. in fact, we discovered there were big problems with commercial real estate and investment banking. we asked for another 48 to 72 hours so we could address those issues. we were told that we didn't have that time, that it had to be done that night. for some reason that totally escapes me, citi corp. was allowed to bid, and i still believe our bid that night was so there's some very strange things going on at that time and it was actually beneficial that citicorp didn't have those kinds of problems. >> we heard earlier ask mcneil ask about the terms of unlocking